ABOUT TIAA-CREF

TIAA-CREF has joined with Indiana University to help you prepare for your retirement. For over 90 years, we have been helping millions of people in the academic, government, medical, cultural and research fields plan for retirement. We offer you options to tailor your plan to your investment style and goals.

TIAA-CREF has joined with your employer to help you prepare for your retirement. For over 90 years, we have been helping those in the academic, government, medical, cultural and research fields.

We offer a wide array of financial products and services to help you plan for—and live well in—retirement, plus invest for life's other goals along the way. We offer:

Low fees: Our annuity and mutual fund fees are generally less than half the industry average.1

A long-term approach: TIAA-CREF focuses on disciplined, long-term investment strategies that carefully balance risk with the potential for high returns.

Top ratings:2

TIAA is among the highest rated insurance companies in the U.S. by the four leading insurance company rating agencies: A.M. Best, Fitch, Moody’s Investors Service and Standard & Poor’s.3

1 Data according to Morningstar (Morningstar Direct, March 31, 2014). Our mutual fund and variable annuity products are subject to various fees and expenses, including but not limited to management, administrative, and distribution fees; our variable annuity products have an additional mortality and expense risk charge.

2 These ratings don't apply to variable annuities, mutual funds or any other product or service not fully backed by TIAA's claims-paying ability. Ratings are subject to change. There is no guarantee that current ratings will be maintained.

3 For its stability, claims-paying ability and overall financial strength, TIAA is one of only three insurance groups in the United States to currently hold the highest possible rating from three of the four leading insurance company rating agencies: A.M. Best (A++ as of 9/14), Fitch (AAA as of 10/14) and Standard & Poor's (AA+ as of 10/14). It currently holds the second highest possible rating from Moody’s Investors Service (Aa1 as of 10/14). Per S&P criteria, the downgrade of U.S. long-term government debt limits the highest rating of U.S. insurers to AA+ (the second-highest rating available). There is no guarantee that current ratings will be maintained. Ratings represent a company’s ability to meet policyholders’ obligations and do not apply to variable annuities, mutual funds or any other product or service not fully backed by TIAA’s claims-paying ability.

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit www.tiaa-cref.org for details.